Branch Manager - Retail Branch Banking

SkillLabs; Barwani; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

SkillLabs is seeking an experienced Branch Manager in India to run a profitable branch by managing revenues and operations in line with regulatory and company compliances.

You will lead lending, product sales, customer service and risk controls while driving business development, team performance and cost optimization to achieve CASA, deposits and loan targets, and enhance fee income.

Qualifications

• Experience as a branch manager or equivalent is preferred.
• Experience in client acquisition, portfolio management, compliance and team leadership.
• Strong knowledge of RBI/compliance and risk controls.

Responsibilities

• Administer and operate the branch efficiently as a full-service unit, including lending, product sales, customer service, and safety.
• Drive business development to grow the branch and company revenue.
• Provide coaching and motivation to staff to deliver superior customer relations and sales culture.
• Achieve individual and branch sales goals via new business, referrals and relationship management.
• Maintain Annual Operating Plan (AOP) for products, liabilities, assets and fees.
• Conduct weekly/monthly reviews for both outbound and inbound sales activities.
• Build capability and manage manpower for the branch.
• Mentor new joiners and existing staff with clear role expectations.
• Provide regular structured feedback and conduct employee training/workshops.

Skills

Analytical Skills

Good Communication Skills

Banking products knowledge

Networking

Current-Account Knowledge

Team handling

Job description

In this profile you will manage the assigned branch & run it as a profit centre by managing the revenues & operations as per the compliances. Handle branch operations & work on per client revenue by targeting TPP X-selling, Liability Acquisition.

Required Candidate Profile

Prior experience as branch manager will be an add on. Rich experience in client acquisition, portfolio management, compliance management & team handling.

Job Role And Responsibilities

• Responsible for the administration and efficient daily operation of a full service branch office, including lending, product sales, customer service, and security and safety in accordance with the Bank's objectives
• Enhance and contribute in the growth of the company through Business Development
• Provision of a superior level of customer relations and promotion of the sales and service culture through coaching, guidance and staff motivation
• Achieve individual and branch sales goals through new business sales, referrals and retention of account relationship
• Maintain AOP (Annual Operating Plan) for the financial year i.e. to prepare and track product (liability, assets and fees) wise
• Weekly/monthly reviews for outbound and as well as for inbound sales
• Capability building and manpower management
• Mentor/Guide new joinees as well as existing branch employees
• Brief employees on their role and expectations from them
• Provide timely feedback to employees on a regular basis (structured feedback)
• Conduct workshops and training programs for the employees

Deliverables

Achieve incremental targets for CASA, Fixed Deposits and loans, and achieve fee in terms of Mutual Funds, Gold etc.

Maintain a healthy asset and liability book i.e., Journal Ledger growth

Customer Service

• Manage key branch relationships
• Ensure wait time within permissible limits as per segmental service approach
• Achieve customer service index scores target
• Ensuring no escalations at branch and complaint handling

Compliance And Risk Management

• Ensure operations, risk control and process adherence at branches
• Ensure RBI audits, inspections
• Maintain branch audit scores

Branch Profitability

• Ensure Growth in NII (Net Interest Income) for branch
• Increase fee income
• Ensure OPEX optimization (to reduce operational cost)
• Manage cost of cash holding at branch

Skills And Competencies

• Analytical Skills
• Good Communication Skills
• Knowledge and understanding of banking products and services
• Strong network within and outside the branch
• Current-Account Knowledge
• Team handling skills